Orange Park · Clay County · Insurance
This is the Orange Park page for hurricane damage roof claim. The short version: you want to get a hurricane claim approved and understand the hurricane deductible, and you can have it without a salesperson at the door.
Get a written quoteRoof-to-wall connections built to old code are a major wind mitigation factor, and hurricane clips added during a replacement can improve the score. Additions from later decades were often tied into the original roof without proper flashing; those seams are where the leaks live. This is where well-installed architectural shingle is usually the right economic answer over metal or tile, because the wind-rating premium buys less.
On cost: the hurricane deductible is a percentage of dwelling coverage — often 2% to 5% — not a flat amount, so a claim needs to clear a much higher bar than a regular wind claim.
Insurers can no longer refuse to write a policy solely because a roof is under 15 years old, and roofs older than that can qualify with a passing inspection showing at least five years of remaining life.
How it works
The hurricane deductible applies only during a named storm declared by the National Hurricane Center and is a percentage of your dwelling coverage. On a home insured for a mid-six-figure amount, that can be five figures. Every other wind event uses the regular flat deductible.
Florida shortened the window in the 2022 reforms — it is now measured in months, not years, from the date of loss. Don't wait.
Insurers can no longer refuse to write a policy solely because a roof is under 15 years old, and roofs older than that can qualify with a passing inspection showing at least five years of remaining life. Orange Park is inside the everyday service radius, so there's no travel surcharge and no "we'll be in the area next month."